Risk Management

A solid foundation is paramount when building something of great value. This is never truer than in the design of an overall financial strategy. In volatile times, when a plan becomes subject to unexpected changes in circumstances or liquidity, it can deteriorate or collapse under its own design. A strategy should allow for
contingencies, like the death or disability of a principal earner, loss of a job or reduction of income, a medical emergency, a special needs child, or to act on an unexpected financial opportunity.

We discuss strategies with a “protection first” philosophy, that is, protecting what our clients have before addressing the risk and uncertainty of something they do not have. Rather than focusing first on maximum rate of return through investment selection and allocation, we address protection first.

Protection Planning Services

Comprehensive Protection Overview

Life Insurance Death Benefits Based on Human Life Value

True Own-occupation Long Term Disability Protection

Long Term Care Event Analysis and Recommendations

Group Insurance Assessment

Health Insurance Review

Short-term Savings

Strategies Designed to Address Longevity Risk Inherent During Retirement

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The content is developed from sources believed to be providing accurate information.
The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals
for specific information regarding your individual situation. Some of this material was developed and produced by
FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named
representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and
material provided are for general information, and should not be considered a solicitation for the purchase or
sale of any security.

David M. Edwards, LUTCF, is licensed in DE, GA, NY, and PA to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in DE, GA, NY, and PA, and adviser registered in PA. Peter D. Achor is licensed in FL, NJ, PA, and VA to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in FL, PA, and VA.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: David M. Edwards, LUTCF, and Peter D. Achor may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if he is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by David or Peter that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.